Associate, Leveraged Finance Credit Risk

Santander; New York (NY); On-site; USD 80,000 - 120,000; Full time

Job summary

An established industry player in financial services is seeking an Associate for their Leveraged Finance Credit Risk team. This role involves critical risk analysis, oversight of credit quality, and collaboration with various teams to ensure compliance and excellence in credit evaluations. You will engage in due diligence, shape credit memos, and provide strategic recommendations to senior management. With a strong emphasis on professional growth and a supportive work environment, this position offers a unique opportunity to advance your career in a dynamic and innovative setting. Join a team that values engagement and success!

Qualifications

• Bachelor's Degree or equivalent work experience required.
• Experience in Risk Management or Credit Risk preferred.

Responsibilities

• Conduct risk analysis and oversight of credit quality.
• Manage multiple transactions and participate in due diligence.

Skills

Risk Management

Credit Risk

Financial Statement Analysis

Financial Modeling

Communication Skills

Regulatory Knowledge

Education

Bachelor's Degree

Job description

Associate, Leveraged Finance Credit Risk

Country: United States of America

Your Journey Starts Here :

Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success.

An exciting journey awaits, if you are interested in exploring the possibilities. We Want to Talk to You!

The Difference You Make :

The Associate, Credit Risk is responsible for risk analysis and independent oversight of the credit quality of assigned portfolios within the US Leveraged Finance Risk team. Responsibilities include participating in due diligence calls, shaping credit memos alongside Lines of Defense (LOD), providing challenge around risk ratings, credit analysis, financial projection models, and making recommendations to senior management.

Key responsibilities include:

1. Setting internal credit risk ratings and regulatory risk ratings on assigned portfolios.
2. Managing multiple transactions simultaneously.
3. Partnering with LOD teams to meet internal and external expectations.
4. Participating in client due diligence discussions and forming opinions on transactions.
5. Providing checks and challenges to LOD on transactions and risk ratings.
6. Ensuring adherence to company policies and procedures.

What You Bring :

To perform this job successfully, you should be able to fulfill each essential duty satisfactorily. The requirements include:

• Education: Bachelor's Degree or equivalent work experience (Required).
• Experience in Risk Management, Credit Risk, or Internal Audit, preferably within a Leveraged Finance Risk role.
• Advanced knowledge of financial statement analysis, accounting, credit, financial modeling, discounted cash flow analysis, and regulatory risks.
• Knowledge of credit policies, procedures, regulations, and applicable laws.
• Strong credit analysis skills for evaluating transactions and monitoring client performance.
• Deep understanding of banking products including derivatives and treasury products.
• Experience interacting with regulators, internal and external auditors, with excellent communication skills.
• Ability to interact with all management levels, work independently, and collaborate effectively.

It Would Be Nice For You To Have :

Additional relevant work experience, training, military service, or education that demonstrates your capabilities.

What Else You Need To Know :

The salary range is provided below, based on skills, experience, training, licensure, certifications, and location. Benefits are also offered.

EEO Statement :

We value diversity and encourage everyone to apply. Santander is an equal opportunity employer, considering all qualified applicants without discrimination.

Working Conditions :

Minimal physical effort is required, such as sitting, standing, and walking. Occasional moving or lifting of light equipment may be necessary.

Employer Rights :

This job description is not exhaustive and may be revised. Employment can be terminated at any time by either party.